The most anticipated and awaited season of monsoon has arrived. The rainy season, which is a feast for the senses, not only makes us happy, but also makes the environment cheerful and active. The musical pattern of raindrops falling on the ground, the delicious aroma of your favorite beverage, and the sight of lush green trees swaying and cheering in the rain make monsoon even more exciting. However, between these happy moments and beautiful landscapes, many viruses, fungi, and bacteria remain invisible, prowling around to attack their next victim.
Stagnant water, humidity, and temperature fluctuations all contribute to creating a home for disease-causing organisms. Serious ailments such as malaria, dengue fever, cholera and leptospirosis are some of the most common health problems during this season. No matter how hard you try to get rid of these ailments, it is quite possible that you will get any of these conditions at least once during the season. The best answer to all these problems is health insurance.
Why is Health Insurance Important During the Monsoon?
There are many reasons why health insurance is an absolute necessity during monsoons. It is a well-known fact that the weather conditions during the monsoon season are optimal for the growth and spread of organisms that cause various diseases. Frequent rains and humidity leave behind stagnant puddles where mosquitoes and other vectors begin to breed. Moreover, the constant volley of hot and cold caused by temperature fluctuations can easily get sick with flu-like symptoms at least once this season. In addition, there are other serious health risks due to the increase in traffic accidents during the monsoon season.
Driving on slippery roads in monsoons can cause accidents due to a vehicle skidding. This could result in vehicle damage and injury to the driver, passengers and other road users. Heavy rainfall and associated flooding can also increase the risk of electric shock if electrical wiring is damaged. These types of fatal accidents will be covered if you buy health insurance.
Health risks during monsoons
Here are a few common risks associated with the rainy season explained in detail:
- Waterborne diseases
The monsoon effect is compelling from the end of June to the beginning of September. The monsoon brings a higher rate of accidents, hospitalizations, puddle cases and more. A clogged drainage system and stagnant water are a major cause of the growth of infections and other diseases. Mosquitoes, in particular, tend to thrive on accumulated water, resulting in life-threatening diseases such as dengue fever and malaria.
- Road accidents and injuries
During the monsoon season, roads get wet and potholes fill with rainwater, which can cause serious damage to bicycles and other small vehicles from accidents. Traffic accidents are a common occurrence this season, as tires slip on wet roads and slip on the streets when you hit the brakes. This can cause accidents and personal injury. Your car insurance will take care of your car, but you will need a health insurance policy for your other financial and medical needs.
- Exposure to electricity
Apart from the risks mentioned above, the risk of electric shock is high during the monsoon season. Exposed wires from junction boxes are a major cause of electrocution and similar deaths. You are at high risk if you cross heavily flooded roads with open cables.
Health insurance coverage based on monsoon
In monsoons, your health insurance policy should cover medical expenses arising from hospitalization or inpatient treatment in case of any serious vector-borne illness, usually without any age restrictions. Recently, sickness specific plans have been designed to provide the most customized insurance services with many beneficial benefits for the monsoon season. Here are some key benefits of these coverage plans:
- Comprehensive coverage against the cost of hospitalization for the treatment of dengue fever, malaria (infection insurance), accidental injuries and non-communicable diseases
- Scope for diagnostic studies
- Follow-up coverage after outpatient doctor visit or hospitalization
- Coverage for medical expenses and transportation costs by ambulances
Some plans may be completed in the event of severe deterioration in health leading to intensive care unit admissions. Benefits such as No Claim Bonus and global coverage are also available. However, you need to ensure that you carry out your health insurance renewal regularly and keep the policy active during the monsoon.
